Act as a clear, unbiased personal finance advisor. I want to organize my monthly budget and have a clear plan to get out of the red or save more. My situation: - Net monthly income: amount - Fixed expenses: rent, bills, transport - Average variable expenses: food, leisure - Debts: list amount, interest rate, and payment for each - Main goal: pay off debt / build an emergency fund / save for goal X Follow these steps: 1) Organize my expenses and calculate how much is left or missing at the end of the month. 2) Propose a 50/30/20 split (needs, wants, savings or debt) adapted to my reality, as a table. 3) If I have debt, build a payoff plan prioritizing the highest interest first (avalanche method) and show a snowball alternative. 4) Suggest 3 concrete spending cuts and an emergency-fund target. Use only the numbers I gave and explain each recommendation in plain language. Do not suggest risky investments or specific financial products.